LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,148
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,361
−HK$2,248/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$80,210
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,151
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,274
−HK$2,153/mo
Today · 4.125%
HK$83,427
baseline
▲ 0.50% · 4.625%
HK$87,825
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,854/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,377
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,033
−HK$2,698/mo
Today · 4.125%
HK$90,731
baseline
▲ 0.50% · 4.625%
HK$96,252
+HK$5,521/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,462/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,981
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,529
−HK$2,584/mo
Today · 4.125%
HK$100,113
baseline
▲ 0.50% · 4.625%
HK$105,390
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,226/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,607
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,705
−HK$3,148/mo
Today · 4.125%
HK$105,853
baseline
▲ 0.50% · 4.625%
HK$112,294
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,706/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,812
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,784
−HK$3,014/mo
Today · 4.125%
HK$116,798
baseline
▲ 0.50% · 4.625%
HK$122,955
+HK$6,157/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,596/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,066
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,050
−HK$4,047/mo
Today · 4.125%
HK$136,097
baseline
▲ 0.50% · 4.625%
HK$144,378
+HK$8,281/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,194/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,472
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,293
−HK$3,876/mo
Today · 4.125%
HK$150,169
baseline
▲ 0.50% · 4.625%
HK$158,085
+HK$7,916/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,338/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,070 · Scale 2, in force from 26 Feb 2026)